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31 MAY 2026 - Updated AML/CFT/CPF Handbook and upcoming changes

26/05/2026

Following the JFSC's recent consultations on revisions to the AML/CFT/CPF Handbook, the JFSC published an updated consolidated version of the Handbook, along with the prescribed NPO Handbook.

  • These will be effective from 31 May 2026.
  • The JFSC are also providing advance sight of changes to section 2.6 following amendments to the Money Laundering (Jersey) Order 2008 (MLO), which are due to take effect on 30 June 2026.

Criminal background checks

  • The JFSC made further updates to the criminal background checks sections, including:
    • COP96 – the JFSC now refer to ‘existing principal persons and key persons’ instead of ‘existing licensees' for consistency
    • COP146 – the JFSC added ‘save for the requirement to carry out criminal record checks’ to align COP145 and COP146 with the requirements for criminal background checks in section 10.6
    • Section 15, paragraph 9 – the JFSC have removed references to Deputy MLRO and Deputy MLCO
  • These changes reflect feedback the JFSC have received and help ensure that the criminal background checks rules are consistently applied. 

Links to updated documents

  • Consolidated AML/CFT/CPF Handbook
  • Prescribed NPO Handbook

What's next?

  • The JFSC will publish the consolidated and individual sections of the AML/CFT/CPF on the JFSC website on 1 June.
  • Reggie, the JFSC regulatory chatbot, will also be updated on this date. 
  • The JFSC are continuing to work on further updates to the AML/CFT/CPF Handbook in relation to the MLCO and Reliance regime changes mentioned above.
    • These will be subject to consultation, and further details will be issued soon. 

JUNE 30 2026 = Upcoming MLCO changes

  • Following amendments to the MLO on 17 April 2026, the JFSC have updated the MLCO section of the Handbook.
  • These will take effect on 30 June 2026, in line with the effective date of the MLO changes. The JFSC will update the live version of the Handbook on this date. 

To help you prepare, the JFSC published a tracked changes version of section 2.6.

31 October 2026 = Further upcoming changes

  • There are additional changes to the MLO that are not yet reflected in the Handbook.
  • These include:
    • The introduction of a risk-based approach to appointing an MLCO – firms will not be able to use this until the Handbook is updated on 31 October 2026
    • Changes to the Reliance framework – although already reflected in the Order, these will also take effect from 31 October 2026

These updates:

  • Bring together recent changes into one place, including updates on complex structures and criminal background checks
  • Improve consistency across the Handbook
  • Give you visibility of upcoming changes so you can prepare
  • Provide simpler, more accessible guidance for non-profit organisations through the prescribed NPO Handbook

Source

JERSEY JFSC AML CODES

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As well as owning and publishing Comsure's copyrighted works, Comsure wishes to use the copyright-protected works of others. To do so, Comsure is applying for exemptions in the UK copyright law. There are certain very specific situations where Comsure is permitted to do so without seeking permission from the owner. These exemptions are in the copyright sections of the Copyright, Designs and Patents Act 1988 (as amended)[www.gov.UK/government/publications/copyright-acts-and-related-laws]. Many situations allow for Comsure to apply for exemptions. These include 1] Non-commercial research and private study, 2] Criticism, review and reporting of current events, 3] the copying of works in any medium as long as the use is to illustrate a point. 4] no posting is for commercial purposes [payment]. (for a full list of exemptions, please read here www.gov.uk/guidance/exceptions-to-copyright]. Concerning the exceptions, Comsure will acknowledge the work of the source author by providing a link to the source material. Comsure claims no ownership of non-Comsure content. The non-Comsure articles posted on the Comsure website are deemed important, relevant, and newsworthy to a Comsure audience (e.g. regulated financial services and professional firms [DNFSBs]). Comsure does not wish to take any credit for the publication, and the publication can be read in full in its original form if you click the articles link that always accompanies the news item. Also, Comsure does not seek any payment for highlighting these important articles. If you want any article removed, Comsure will automatically do so on a reasonable request if you email info@comsuregroup.com.  

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As well as owning and publishing Comsure's copyrighted works, Comsure wishes to use the copyright-protected works of others. To do so, Comsure is applying for exemptions in the UK copyright law. There are certain very specific situations where Comsure is permitted to do so without seeking permission from the owner. These exemptions are in the copyright sections of the Copyright, Designs and Patents Act 1988 (as amended)[www.gov.UK/government/publications/copyright-acts-and-related-laws]. Many situations allow for Comsure to apply for exemptions. These include 1] Non-commercial research and private study, 2] Criticism, review and reporting of current events, 3] the copying of works in any medium as long as the use is to illustrate a point. 4] no posting is for commercial purposes [payment]. (for a full list of exemptions, please read here www.gov.uk/guidance/exceptions-to-copyright]. Concerning the exceptions, Comsure will acknowledge the work of the source author by providing a link to the source material. Comsure claims no ownership of non-Comsure content. The non-Comsure articles posted on the Comsure website are deemed important, relevant, and newsworthy to a Comsure audience (e.g. regulated financial services and professional firms [DNFSBs]). Comsure does not wish to take any credit for the publication, and the publication can be read in full in its original form if you click the articles link that always accompanies the news item. Also, Comsure does not seek any payment for highlighting these important articles. If you want any article removed, Comsure will automatically do so on a reasonable request if you email info@comsuregroup.com.